{"id":2884,"date":"2015-01-06T14:53:06","date_gmt":"2015-01-06T13:53:06","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2884"},"modified":"2021-03-15T14:20:23","modified_gmt":"2021-03-15T13:20:23","slug":"une-augmentation-de-credit-toujours-possible","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/kreditaufstockung-immer-moeglich\/","title":{"rendered":"UNE AUGMENTATION DE CR\u00c9DIT TOUJOURS POSSIBLE?"},"content":{"rendered":"<h2><span id=\"2_Erneute_Bonitaetspruefung_bei_Erhoehung_der_Kreditsumme\">Nouvelle v\u00e9rification de la solvabilit\u00e9 en cas d'augmentation du montant du pr\u00eat.<\/span><\/h2>\n<p>\u00c9tant donn\u00e9 qu'un nouveau pr\u00eat est conclu avec un nouvel accord sur le montant du pr\u00eat, vous devez vous attendre \u00e0 une nouvelle v\u00e9rification de votre solvabilit\u00e9. Une augmentation doit donc \u00eatre envisag\u00e9e avec soin et au pr\u00e9alable si votre situation financi\u00e8re a \u00e9volu\u00e9 n\u00e9gativement depuis la derni\u00e8re fois que vous avez contract\u00e9 un pr\u00eat. Par exemple, si vous \u00eates en retard dans le paiement d'un acompte, cela peut avoir \u00e9t\u00e9 not\u00e9 dans la ZEK.<\/p>\n<p>Dans ce cas, les conditions du nouveau pr\u00eat sont moins bonnes ou la banque refuse m\u00eame de l'augmenter.<\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"3_Auch_zwei_Darlehen_bei_zwei_Banken_parallel_moeglich\">Possibilit\u00e9 d'obtenir deux pr\u00eats aupr\u00e8s de deux banques en parall\u00e8le<\/span><\/h2>\n<p>S'il s'av\u00e8re apr\u00e8s v\u00e9rification des conditions que le rachat du pr\u00eat serait plus co\u00fbteux, mais qu'une autre banque offre des conditions plus favorables pour le nouveau montant du pr\u00eat, il est logique de conclure simplement un second pr\u00eat. Bien s\u00fbr, cela d\u00e9pend aussi du volume. Les banques n'aiment pas voir un second pr\u00eat, elles proposent donc de le reprendre \u00e0 leur compte. Toutefois, cela n'est pas obligatoire, mais tout r\u00e9sulte du calcul des co\u00fbts.<\/p>\n<p>En termes de proc\u00e9dure, il est plus facile d'augmenter un pr\u00eat existant aupr\u00e8s de l'ancienne banque que de contracter un second pr\u00eat. Nous pouvons rapidement calculer quelle option est la moins ch\u00e8re. Bien entendu, il peut \u00e9galement \u00eatre utile de pr\u00e9senter \u00e0 la banque actuelle l'offre moins ch\u00e8re d'un concurrent afin de n\u00e9gocier de cette mani\u00e8re un taux d'int\u00e9r\u00eat plus favorable pour l'augmentation.<\/p>\n<p><strong>Avant d'augmenter, v\u00e9rifiez si votre situation financi\u00e8re actuelle vous permet d'augmenter vos taux.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2>R\u00e9sum\u00e9<\/h2>\n<p>Les banques sont g\u00e9n\u00e9ralement ouvertes \u00e0 une augmentation du pr\u00eat si le revenu est suffisant pour le taux plus \u00e9lev\u00e9. Si les taux d'int\u00e9r\u00eat sont nettement inf\u00e9rieurs, le remboursement du pr\u00eat peut apporter un soulagement financier notable. Si une restructuration de la dette est hors de question, un second pr\u00eat est envisageable.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a class=\"btn btn-success\" href=\"https:\/\/www.bestfinance.ch\/fr\/des-taux-de-credit-bas-pour-le-credit-de-votre-choix\/\"> Demander un cr\u00e9dit<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Sauvegarder l'article en PDF :\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Kreditaufstockung-immer-moeglich.pdf\">Une augmentation de cr\u00e9dit est-elle toujours possible ?.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>L'augmentation d'un pr\u00eat est g\u00e9n\u00e9ralement possible sans aucun probl\u00e8me. Les institutions financi\u00e8res v\u00e9rifient g\u00e9n\u00e9ralement leur nouvelle demande selon les m\u00eames crit\u00e8res que pour le cr\u00e9dit existant.<\/p>","protected":false},"author":2,"featured_media":4765,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Neue Bonit\u00e4tspr\u00fcfung bei Krediterh\u00f6hung","_seopress_titles_desc":"Vor der Erh\u00f6hung der Kreditsumme erwartet Sie eine Bonit\u00e4tspr\u00fcfung. Entdecken Sie M\u00f6glichkeiten, wie Sie g\u00fcnstig umschulden oder aufstocken k\u00f6nnen.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/2884","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/comments?post=2884"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/posts\/2884\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media\/4765"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/media?parent=2884"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/categories?post=2884"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/fr\/wp-json\/wp\/v2\/tags?post=2884"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}